How we work

Niaba offers secured loans to employed individuals at a low interest rate. Each individuals limit is equivalent to 1/3 of the borrower’s net monthly salary after statutory deductions and payable within 30 days*. You require no savings with us to apply for your loan.

our process

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1 Process Icon

We get your organisation on board

The Niaba team will interact with your organisation and give them the best rates for the organisations employees

2 Process Icon

Download on Google play or better yet use our messaging service

Use your Android smartphone to download Niaba from the Google Play Store or just message us on our bulk SMS mobile number

3 Process Icon

Apply for your loan

Type in you Niaba ID number, Phone number, and amount and seat tight OR Log into the Niaba application and follow 3 simple steps.

4 Process Icon

Receive your loan

Get your loan within minutes

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Don’t ever be stranded

JISORT COIN, Never stress about finances again.

Join Niaba today and unlock your financial freedom: Jisort na Niaba!

Loan amount

1/3 gross monthly salary

Interest Rate Range


Facilitation fee


Loan Terms

30 days*